Apache County, Arizona: commercial real estate data.
Apache County, Arizona has a population of 65,341 across 11,198 square miles, down 1.9 percent since the 2020 census base. County output reached $2.95 bn in 2024, 442 establishments operate here, and the SBA record carries 10 7(a) approvals worth $5.8 m.
125 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Apache County
How many people live in Apache County
- Population65,341
- Households21,100
- Average household size3.10
- Median household income$41,438
- Median age36.6
- Median gross rent$647 per month
- Median owner-occupied home value$63,700
- Home value to household income1.5 times
- Annual rent as a share of median income18.7 percent
- Adults 25 and over with a bachelor degree or higher16.6 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over42,350
- Population under 1816,983
- Share under 1826.0 percent
- Population 65 and over11,004
- Share 65 and over16.8 percent
- Working age population, 18 to 6437,354
- Civilian labor force21,169
- Unemployment rate10.7 percent
- Labor force participation, adults 18 and over43.8 percent
- Rank by population among Arizona counties10th of 15
- Rank by population among US county-equivalents842nd
Apache County is the 10th largest of 15 Arizona counties by population. A median home costs 1.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 26.0 percent against 16.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Apache County
Is Apache County's population growing?
- Population change since the 2020 census base-1.85 percent
- Census 2020 base population66,024
- Births, 2024685
- Deaths, 2024870
- Natural change, 2024-185
- Net domestic migration, 2024-311
- Net international migration, 2024176
- Total net migration, 2024-135
- Cumulative net domestic migration, 2021 to 2024-359
- Rank by growth among US county-equivalents2460th
The county has lost 1.85 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Apache County
Where are people moving to Apache County from?
- Tax returns filed by households arriving1,571
- People arriving, from those returns3,120
- Adjusted gross income arriving$74.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$47,101
- Largest single originApache County Non-migrants (20,352 households)
- Largest single destination (20,352 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Apache County Non-migrants | 20,352 | 45,255 | $935.3 m |
| Other flows - Different State | 463 | 896 | $25.3 m |
| Maricopa County | 426 | 812 | $20.4 m |
| Other flows - West | 285 | 558 | $15.9 m |
| McKinley County | 199 | 475 | $6.1 m |
| Navajo County | 161 | 331 | $6.9 m |
| Other flows - South | 96 | 197 | $5.7 m |
| Coconino County | 65 | 106 | $2.7 m |
The largest single source of arrivals is Apache County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Apache County
What is the Apache County economy?
- County GDP, 2024$2.95 bn
- County GDP, 2023$2.91 bn
- GDP change, 2023 to 20241.2 percent
- GDP change over five years13.9 percent
- Rank by GDP among Arizona counties10th
- Rank by GDP among US county-equivalents993rd
- GDP per resident$45,111
Output grew 1.2 percent in the latest year and 13.9 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Apache County
Largest employers in Apache County
- Covered employment, annual average16,611
- Establishments reporting630
- Average annual pay$56,805
- Average weekly wage$1,092
- Sector 62, employment2,410
- Sector 62, average annual pay$65,814
- Sector 44-45, employment1,075
- Sector 44-45, average annual pay$30,168
- Sector 72, employment878
- Sector 72, average annual pay$23,896
- Sector 23, employment550
- Sector 23, average annual pay$47,352
- Sector 53, employment303
- Sector 61, employment295
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 2,410 | 68 | $65,814 |
| Sector 44-45 | 1,075 | 67 | $30,168 |
| Sector 72 | 878 | 56 | $23,896 |
| Sector 23 | 550 | 52 | $47,352 |
| Sector 53 | 303 | 22 | $49,323 |
| Sector 61 | 295 | 8 | $53,509 |
| Sector 42 | 214 | 21 | $90,673 |
| Sector 56 | 195 | 33 | $72,549 |
The largest sector is the biggest private employer group at 2,410 jobs, 14.5 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Apache County
How many businesses are in Apache County?
- Establishments, all industries442
- Employment at those establishments6,112
- Annual payroll$318.3 m
- Establishments per 1,000 residents6.8
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Apache County
Building permits in Apache County
- Housing units authorised by permit, 202493
- Declared construction value permitted$21.1 m
- Single family units authorised91
- Multifamily units authorised2
- Multifamily share of units2.2 percent
- Average declared value per unit$226,882
- Units authorised per 1,000 households4.4
Multifamily is 2.2 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Apache County
SBA loans in Apache County (7(a) and 504)
- 7(a) approvals recorded10
- 7(a) gross approval dollars$5.8 m
- Average 7(a) approval$579,490
- Median 7(a) approval$265,000
- 10th percentile approval$107,000
- 90th percentile approval$1,685,000
- Largest single approval$1,685,000
- Jobs reported supported, 7(a)372
- Jobs per approval37.2
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals5
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer60.0 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter4
- Franchise loans3
- Franchise share of approvals30.0 percent
- Leading industry by approval countFull-Service Restaurants (6)
- Most active lenderNewtek Bank, National Association (4)
- 504 approvals recorded2
- 504 gross approval dollars$1.7 m
- Average 504 approval$837,500
- Median 504 approval$1,300,000
- Distinct CDCs active2
- 504 jobs per approval8.5
- 504 jobs per million dollars approved10.1
- Most active CDCCDC Small Business Finance Corp. (1)
- 7(a) share of SBA approvals83.3 percent
- Combined SBA approval dollars$7.5 m
The average approval of $579,490 sits well above the median of $265,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. 60.0 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Apache County
SBA loan default and charge-off rates in Apache County
Do SBA loans in Apache County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure6
- Status: Cancelled3
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 0 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Apache County
SBA lending by place in Apache County
- Places in the county with recorded lending6
- St Michaels, approvals4
- Alpine, approvals2
- Gilbert, approvals1
- Window Rock, approvals1
- SPRINGERVILLE, approvals1
- EAGAR, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| St Michaels | 4 | $2,125,000 |
| Alpine | 2 | $513,700 |
| Gilbert | 1 | $706,500 |
| Window Rock | 1 | $107,000 |
| SPRINGERVILLE | 1 | $657,700 |
| EAGAR | 1 | $1,685,000 |
St Michaels accounts for 4 approvals against 2 in Alpine. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Apache County
How large is Apache County?
- Land area11,198 sq mi
- Rank by land area among Arizona counties3rd of 15
- Width, east to west53.7 mi
- Height, north to south242.5 mi
- Geographies sharing a boundary3
- Residents per square mile of land6
- Establishments per square mile0.04
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Apache County
Flood risk in Apache County
- Communities in the NFIP Community Status Book4
- Of those, participating in the NFIP4
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Apache County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Apache County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Apache County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Apache County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population65,341
- Households21,100
- Average household size3.10
- Median household income$41,438
- Median age36.6
Common questions
Apache County questions, answered from the record.
How many people live in Apache County, Arizona?
65,341, in 21,100 households, ranking 10th of 15 Arizona counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Apache County's population growing?
The population has fallen 1.85 percent since the 2020 census base. In 2024 there were 685 births against 870 deaths, with net migration of -135. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Apache County?
$41,438. The median owner-occupied home is valued at $63,700, which is 1.5 times income, and median gross rent is $647 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Apache County?
442 establishments, employing 6,112 people with an annual payroll of $318.3 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Apache County?
Average annual pay is $56,805, or $1,092 a week, across 16,611 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Apache County?
10 7(a) approvals totalling $5.8 m since FY2020, across 7 lenders, with a median approval of $265,000, plus 2 504 approvals worth $1.7 m. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Apache County?
93 housing units were authorised by permit in 2024, with a declared construction value of $21.1 m. Multifamily was 2.2 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Apache County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Apache County come from?
The largest single origin is Apache County Non-migrants, with 20,352 households. Arriving households report an average income of $47,101 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Apache County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Apache County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Apache County
Cities and places in Apache.
39 Census places lie wholly or partly in Apache County. 38 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA approvals | Lies in |
|---|---|---|---|---|
| Eagar | town | 4,416 | 1 | Wholly in this county |
| Chinle | CDP | 4,147 | None recorded | Wholly in this county |
| St. Johns | city | 3,395 | None recorded | Wholly in this county |
| Fort Defiance | CDP | 3,351 | None recorded | Wholly in this county |
| Window Rock | CDP | 2,477 | 1 | Wholly in this county |
| Springerville | town | 2,008 | 2 | Wholly in this county |
| Lukachukai | CDP | 1,969 | None recorded | Wholly in this county |
| Tsaile | CDP | 1,696 | None recorded | Wholly in this county |
| St. Michaels | CDP | 1,142 | 4 | Wholly in this county |
| McNary | CDP | 919 | None recorded | 66.0 percent here, 34.0 percent Navajo County |
| Many Farms | CDP | 876 | None recorded | Wholly in this county |
| Teec Nos Pos | CDP | 712 | None recorded | Wholly in this county |
| Houck | CDP | 707 | None recorded | Wholly in this county |
| Sanders | CDP | 684 | None recorded | Wholly in this county |
| Ganado | CDP | 637 | None recorded | Wholly in this county |
| Sawmill | CDP | 636 | None recorded | Wholly in this county |
| Round Rock | CDP | 623 | None recorded | Wholly in this county |
| Dennehotso | CDP | 574 | None recorded | Wholly in this county |
| Nazlini | CDP | 527 | None recorded | Wholly in this county |
| Rough Rock | CDP | 465 | None recorded | Wholly in this county |
| Del Muerto | CDP | 439 | None recorded | Wholly in this county |
| Burnside | CDP | 434 | None recorded | Wholly in this county |
| Red Mesa | CDP | 430 | None recorded | Wholly in this county |
| Nutrioso | CDP | 427 | None recorded | Wholly in this county |
| Steamboat | CDP | 372 | None recorded | Wholly in this county |
| Rock Point | CDP | 345 | None recorded | Wholly in this county |
| Cornfields | CDP | 320 | None recorded | Wholly in this county |
| Vernon | CDP | 247 | None recorded | Wholly in this county |
| Sehili | CDP | 229 | None recorded | Wholly in this county |
| Klagetoh | CDP | 158 | None recorded | Wholly in this county |
| Cottonwood | CDP | 149 | None recorded | Wholly in this county |
| Red Rock | CDP | 83 | None recorded | Wholly in this county |
| Alpine | CDP | 55 | 2 | Wholly in this county |
| Oak Springs | CDP | 47 | None recorded | Wholly in this county |
| Wide Ruins | CDP | 29 | None recorded | Wholly in this county |
| Lupton | CDP | 4 | None recorded | Wholly in this county |
| Concho | CDP | 0 | None recorded | Wholly in this county |
| Greer | CDP | 0 | None recorded | Wholly in this county |
| Toyei | CDP | 0 | None recorded | Wholly in this county |